Bandhan Bank Ltd
Ticker: BANDHANBNK
Decent
68/100
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Investing Reference
Price
156.56
Market Cap
25221.37
Debt/Equity
0.0000
ROE %
11.881
PB
1.0251
Promoter %
40.289
Pledge %
0.000
1Y Rev Growth %
18.411
5Y Rev Growth %
14.912
NP Margin %
11.019
NP Margin 5Y Avg %
9.895
Trading Reference
1M Return %
4.650
6M Return %
-3.203
1Y Return %
-14.077
% Away 52W High
22.943
% Away 52W Low
22.160
Daily Volume
61847492
Investment Verdict
Buy
Score 80/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 25/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
Bandhan Bank Ltd shows potential for growth but faces challenges in asset quality.
✅ Positives
- Strong retail deposit base
- Expanding branch network
- Improving digital banking services
⚠️ Negatives
- High NPA levels
- Intense competition in banking sector
- Regulatory scrutiny on microfinance
Verdict
Cautiously optimistic about future performance.
Recommendation: Consider a hold position for now.
Upside Probability: 25% | Downside Probability: 15%
Last generated: 30/10/2025
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Business Overview
Bandhan Bank Ltd is a leading private sector bank in India, primarily focused on serving the underbanked and unbanked segments of society. Established with a mission to promote financial inclusion, it offers a range of banking products and services tailored for individuals and small businesses. Bandhan Bank matters because it plays a crucial role in empowering communities through accessible banking solutions. Its commitment to social responsibility and customer-centric approach sets it apart in the banking landscape.
- Focus on financial inclusion
- Wide range of banking services
- Empowers small businesses
- Strong community impact
- Customer-centric approach
- Robust growth trajectory
Investment Thesis
Bandhan Bank Ltd stands out as a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. These factors position the bank for sustained growth and resilience in the competitive banking landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital banking services catering to a tech-savvy customer base.
- Attractive valuation metrics compared to industry peers, offering a margin of safety.
- Focused on financial inclusion, tapping into underserved markets for customer acquisition.
- Resilient asset quality and strong capital base support long-term growth prospects.
Opportunity vs Risk
Opportunities
- Strong growth in retail banking
- Expansion into rural markets
- Improving asset quality
- Digital banking initiatives
- Increasing financial inclusion
Risks ⚠️
- High non-performing assets
- Regulatory challenges
- Intense competition in banking
- Economic slowdown impact
- Interest rate fluctuations
Peer Perspective
Bandhan Bank Ltd trades at a discount to peers like HDFC Bank and ICICI Bank, reflecting concerns over margin stability. A consistent improvement in asset quality and growth acceleration could trigger a rerating.
Future Outlook
Bandhan Bank Ltd is well-positioned for growth, driven by its expanding retail footprint and digital initiatives. However, successful execution and stringent cost control will be crucial to sustain profitability and enhance shareholder value.
AI FAQs for Retail Users
- Q: What does Bandhan Bank do?A: Bandhan Bank is a private sector bank in India, providing various banking and financial services.
- Q: Is Bandhan Bank a good investment?A: Investing in Bandhan Bank depends on your financial goals and risk tolerance. Research is essential.
- Q: What are the risks of investing in Bandhan Bank?A: Risks include market volatility, regulatory changes, and economic conditions affecting banking operations.
- Q: How can I buy shares of Bandhan Bank?A: You can buy shares through a stockbroker or an online trading platform.
- Q: What is Bandhan Bank's dividend policy?A: Bandhan Bank may declare dividends based on its financial performance and board decisions.
📊 Stock Investment Checklist (100 Points)
Bandhan Bank Ltd • Updated: 2025-09-16 19:49:45
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10BusinessHighThe banking sector is evolving with digital transformation, but Bandhan Bank faces stiff competition.
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10GrowthHighThe bank has shown consistent revenue growth, but profit margins are under pressure.
-
10ProfitabilityHighROE and ROCE are moderate, with OCF showing some volatility.
-
8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios need improvement.
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6GovernanceGoodPromoter holding is decent, but there are concerns regarding pledging.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed, with low liquidity affecting price action.
Final Score & Verdict
Score 68 / 100
• Decent
Bandhan Bank Ltd shows potential for growth but faces challenges in profitability and valuation metrics. Investors should be cautious.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100